Bilt Blue vs JetBlue Business Card
Side-by-side comparison
| Bilt Blue | JetBlue Business Card | |
|---|---|---|
| Annual fee | No annual fee | $99 |
| Welcome offer | $100 in Bilt Cash on account opening | 80,000 points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 1% |
| Travel | 2% | 6% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $498 | $744 |
| Points type | Transfers to airlines & hotels | Locked to JetBlue TrueBlue |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Bilt Blue earns about $498 a year in rewards and the JetBlue Business Card about $744, valuing every point at a flat 1 cent. The Bilt Blue has no annual fee, so its rewards are all profit. The JetBlue Business Card charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the JetBlue Business Card delivers more total value, about $97 a year more for a typical spender, mostly because it earns more where you spend most, on travel and office supplies. The bigger difference is the ceiling: the Bilt Blue earns points you can move to travel partners for outsized value, while the JetBlue Business Card stays locked to a single airline or hotel program. Favor the Bilt Blue if you will use travel transfers, the JetBlue Business Card if you want simplicity. On the sign-up bonus, the JetBlue Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the JetBlue Business Card if your spending leans toward office supplies, travel.